RSPCA Pet Insurance Review

RSPCA pet insurance can cover up to $20,000 of your vet bills each year, with $0 excess.

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RSPCA Pet Insurance

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RSPCA Pet Insurance offers four different cover options to suit different needs and budgets. Plus, a portion of your premiums go to the RSPCA to support them in helping other Australian animals.

Our Verdict

  • A portion of your premiums support the RSPCA.
  • No excess to pay - so your money stays in your pocket.
  • Annual benefit cap of $20,000.
  • Not all illnesses are covered for your pet across each policy.

Review by our pet insurance publisher Alexandra Koster

Compare RSPCA Pet Insurance policies side-by-side

Name Product Maximum yearly benefit Paralysis Tick Benefit Reimbursement rate Accidental Injury Illness
RSPCA Ultimate Plus Accident and Illness Cover
$20,000
Up to $20,000 annual limit
80%
Comprehensive cover for your pet, including the option of routine care. Get 1 month free for the first year of new policies. T&C's apply.
RSPCA Ultimate Accident & Illness Cover
$11,000
$1,200
80%
RSPCA's second most comprehensive policy. For extra protection, you can add on Routine Care Cover. Get 1 month free for the first year of new policies. T&C's apply.
RSPCA Economy Accident & Illness Cover
$11,000
$1,000
75%
Covers your pet for a range of accidents and illnesses. Get 1 month free for the first year of new policies. T&C's apply.
RSPCA General Accident & Illness Cover
$11,000
$2,000
60%
Covers your vet bills when your cat or dog suffers an accidental injury or illness. Get 1 month free for the first year of new policies. T&C's apply.
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See some prices for RSPCA pet insurance

To help give you an idea about costs for RSPCA pet insurance, we gathered quotes for a few of Australia's favourite dog breeds. Just remember, prices are going to change based on things like your own dog's breed, age and your address, so it's always worth comparing policies and getting a few quotes.

Dog Breed1yr old5yr old
Maltese Cross$844.70$900.00
Cavoodle$844.70$900.00
Labrador$1,307.71$1,414.52
Staffordshire Bull Terrier$1,043.13$1,192.36
Border Collie$1,043.13$1,192.36

How do policy features compare?

For a better idea of the exact protection offered under each plan, compare features in the table of benefits below:

What's covered?RSPCA General Accident & Illness CoverRSPCA Economy Accident & Illness CoverRSPCA Ultimate Accident & Illness CoverRSPCA Ultimate Plus Accident and Illness Cover
Age of pets
  • Entry from 8 weeks to younger than 16 years of age. Once insured cover can be kept for life
  • Entry from 8 weeks to younger than 9 years of age. Once insured cover can be kept for life
  • Entry from 8 weeks to younger than 9 years of age. Once insured cover can be kept for life
  • Entry from 8 weeks to younger than 9 years of age. Once insured cover can be kept for life
Maximum yearly benefit amount
  • $11,000
  • $11,000
  • $11,000
  • $20,000
Multi-pet discount
  • 10%
  • 10%
  • 10%
  • 10%
Cover for accidents
  • Yes
  • Yes
  • Yes
  • Yes
Cover for illnesses
  • Yes
  • Yes
  • Yes
  • Yes
Benefit percentage
  • 60%
  • 75%
  • 80%
  • 80%
Routine care benefit
  • No
  • No
  • Optional
  • Optional
Overall annual claim maximum
  • $11,000
  • $11,000
  • $11,000
  • $20,000
Yearly paralysis tick benefit
  • $2,000
  • $1,000
  • $1,200
  • Up to Up to $20,000 annual limit annual limit
Waiting period
  • 30 days for illnesses, tick paralysis & 6 months for cruciate ligament
  • 30 days for illnesses, tick paralysis & 6 months for cruciate ligament
  • 30 days for illnesses, tick paralysis & 6 months for cruciate ligament
  • 30 days for illnesses, tick paralysis & 6 months for cruciate ligament

What cover options does RSPCA offer?

RSPCA General Accident & Illness Cover

RSPCA Pet Insurance General Accident & Illness Cover steps in to help cover your vet bills when your cat or dog suffers an accidental injury or illness. RSPCA Pet Insurance General Accident & Illness Cover will pay a benefit when your pet suffers an injury or illness as a direct result of:

  • a motor vehicle incident
  • being burned or electrocuted
  • an allergic reaction to an insect bite, excluding flea and tick bites
  • a bone fracture
  • snake bite toxicity
  • a traumatic ligament or tendon injury
  • a bite wound or abscesses from fight wounds
  • lacerations or abrasions of tissue, skin or mucous membrane caused by external violence.

However, there are a range of injuries for which a benefit will not be paid. These include pre-existing conditions, patella luxations, elbow dysplasia, fractures teeth, toxicity and intervertebral disc disease. If you're concerned, ensure you the PDS for a full list of exclusions.

RSPCA Economy Accident & Illness Cover

Under RSPCA's Illness Cover, your policy will cover up to 75% of your vet bills when your pet receives treatment for a range of accidents and illnesses. These include cancer, hereditary problems, skin conditions and many more. Pre-existing conditions are generally excluded. If you're concerned about whether your pet is eligible, ensure you read the exclusions outlined in the PDS in detail.

RSPCA Ultimate Accident & Illness Cover

RSPCA's Ultimate Accident & Illness is the second most comprehensive cover option for your furry friend. It covers up to 80% of your vet bills when your pet receives treatment for a range of illnesses and accidents. For extra protection, you also have to option to take out added routine care cover. However some exclusions do apply. These include:

  • illnesses that arise from pre-existing conditions or that occur during the waiting period
  • illnesses for which there is a known vaccination. For dogs this list includes kennel cough, parvovirus, canine hepatitis, canine distemper and parainfluenza. For cats this includes cancer, hereditary problems, skin conditions, calicivirus, herpes, cat flu, Feline Immunodeficiency Virus and Feline Infectious Peritonitis
  • any pandemic that causes widespread illness
  • more than one occurrence of swallowing a foreign object that results in a blockage or obstruction that requires either surgical or endoscopic removal.

RSPCA Ultimate Plus Accident & Illness Cover

RSPCA's Ultimate Plus Accident & Illness is the most comprehensive cover option for your pet. It covers up to 80% of your vet bills for a range of illnesses and accidents and it also comes with the option of a routine care benefit.

Other benefits of RSPCA's Pet Insurance

RSPCA's Pet Insurance has a range of other benefits at no added cost. These include:

  • Emergency Boarding. If you are the sole carer of your pet and you are hospitalised for more than five consecutive days, your policy will cover the cost of boarding your pet at a licensed kennel or cattery. However, you won't be covered if you are hospitalised due to pregnancy, cosmetic surgery or a pre-existing condition.
  • Essential Euthanasia. If your vet deems that it is a humane and essential course of action to have your pet put down, the cost involved will be covered by your insurance policy. Non-essential euthanasia and the burial or cremation of your pet are not covered.
  • Paralysis Tick Benefit. If your pet requires treatment for tick paralysis, the cost of this will be covered by your policy up to the benefit limit. However, keep in mind that tick preventative treatments are not included in your policy.
  • Pet Overseas Travel Insurance. If your pet is travelling abroad with you and requires treatment while overseas, your RSPCA Pet Insurance policy can provide cover for the resulting vet expenses. However, you won't be covered if your pet will be outside Australia for more than 60 consecutive days.

What additional cover options are there?

If you'd like to take out an increased level of cover for your furry friend, the routine care option may offer the protection you desire. Designed to promote responsible pet ownership, this benefit is designed to help you cover the cost of routine preventative healthcare treatments for your pet. This includes:

  • $15 a year for heartworm test or blood screen
  • FeLV/FIV test or urinalysis – $15 a year
  • a $50 annual benefit for one of the following routine treatments: desexing, microchipping, preventative heartworm medication, teeth cleaning, vaccinations, dewclaw removal, council registration fees, prescription diets, alternative therapies, health checks.

Dog Insurance

With RSPCA Pet Insurance, you can take out cover for up to 80% of your pet's eligible vet bills, up to an annual limit of $20,000. This means you won't have to think twice when it comes to choosing a treatment option for your four-legged friend.

Once your dog is insured, you can continue to renew coverage for the rest of their life. There's also a 10% discount when you insure more than one pet and RSPCA Pet Insurance prides itself on providing a fast and stress-free claims process.

RSPCA offers four different policies to suit a range of needs.

RSPCA General Accident & Illness Cover

If you want basic cover for those worst case scenario injuries and illnesses that could end up costing you thousands, General Accident & Illness Cover can provide the protection you need.

Specifications

Coverage

Excess Options

Discount

Optionals

Maximum Yearly Benefit $11,000
Paralysis Tick Benefit $2,000
Illness Yes
Reimbursement Rate 60%
Accidental Injury Yes
Emergency Boarding $500
Hospitalisation Yes
Surgery Yes
Lifetime Cover Yes
Excess options No excess to pay
Multi-Pet Discount 10%
Other Discount
Alternative Therapy No
Routine Care No

RSPCA Economy Accident & Illness Cover

If you want to protect your wallet against the costs involved when your dog suffers an illness, RSPCA Economy Accident & Illness Cover offers more comprehensive coverage for your pooch.

Specifications

Coverage

Excess Options

Discount

Optionals

Maximum Yearly Benefit $11,000
Paralysis Tick Benefit $1,000
Illness Yes
Reimbursement Rate 75%
Accidental Injury Yes
Emergency Boarding $1,000
Hospitalisation Yes
Surgery Yes
Lifetime Cover Yes
Excess options No excess to pay
Multi-Pet Discount 10%
Other Discount
Alternative Therapy No
Routine Care No

RSPCA Ultimate Accident & Illness Cover

The Ultimate plan offers comprehensive coverage and the option of a routine care benefit, which helps you take care of things like heartworm tests, desexing and microchipping.

Specifications

Coverage

Excess Options

Discount

Optionals

Maximum Yearly Benefit $11,000
Paralysis Tick Benefit $1,200
Illness Yes
Reimbursement Rate 80%
Accidental Injury Yes
Emergency Boarding $1,000
Hospitalisation Yes
Surgery Yes
Lifetime Cover Yes
Excess options No excess to pay
Multi-Pet Discount 10%
Other Discount
Alternative Therapy Optional
Routine Care Optional

RSPCA Ultimate Plus Accident and Illness Cover

If you want to give your pet the best protection possible, the Ultimate Plus plan offers their most comprehensive coverage and the option of a routine care benefit, as well as things like heartworm tests, desexing and microchipping.

Specifications

Coverage

Excess Options

Discount

Optionals

Maximum Yearly Benefit $20,000
Paralysis Tick Benefit Up to $20,000 annual limit
Illness Yes
Reimbursement Rate 80%
Accidental Injury Yes
Emergency Boarding Up to $20,000 annual limit
Hospitalisation Yes
Surgery Yes
Lifetime Cover Yes
Excess options No excess to pay
Multi-Pet Discount 10%
Other Discount
Alternative Therapy Optional
Routine Care Optional

Cat Insurance

Though it's often said that cats always land on their feet, this isn't necessarily true. Illness and injury can wreak havoc on your kitty's health, which can result in some significant damage to your hip pocket. But if you have RSPCA Cat Insurance, you'll be able to enjoy much-needed financial protection and the freedom to give your pet the best possible care.

You are able to take your cat to any licensed vet within Australia for treatment, while there's a 10% discount available when you insure more than one pet. The claims process is quick and stress-free, and a portion of your premiums go to the RSPCA to help them provide protection for all creatures great and small across Australia.

Benefits
  • Choice. You can choose from four cover options to suit your needs and budget.
  • Cover. Get back up to 80% of your eligible vet bills.
  • Maximum Benefit. An annual benefit limit of $20,000 will help you take care of the expensive cost of treatment, while the fact that you don't have to pay an excess helps keep more money in your pocket.

What exclusions are there?

Just like any other insurance policy, RSPCA Pet Insurance contains a list of general exclusions. Your claim will not be paid if it is a result of:

  • any pre-existing conditions
  • dental procedures, dental diseases, teeth fractures, gingivitis and teeth cleaning
  • the cost of pet food, regardless of whether it is regular food or a prescription diet
  • vitamin and mineral supplements
  • preventative veterinary procedures, such as vaccinations, anal gland expression and parasite control
  • grooming and bathing of your dog or cat
  • accessories for your pet, such as crates, bowls, bedding and collars
  • the cost of training, socialisation and any therapy for your pet. Alternative therapies are also not covered
  • treatment while your pet is used for commercial or occupational purposes, such as racing or law enforcement. Guide Dogs and assistance Dogs are exempt from this exclusion
  • treatment for behaviour problems such as anxiety disorders and phobias
  • cell-replacement therapies
  • medication that is not approved or listed by the APVMA (Australian Pesticides and Veterinary Medication Authority)
  • you deciding to pursue a course of treatment other than that recommended by your vet
  • breeding or obstetrics
  • ambulance fees and non-essential hospitalisation
  • house calls from your vet except in emergency situations
  • organ transplant surgery or prosthetic limbs
  • routine examinations, hip and elbow scoring, elective treatments
  • a malicious act or deliberate injury caused by you
  • your failure to take all reasonable steps to protect your pet.

Ensure you read the PDS in detail if you are concerned about any exclusions.

RSPCA Pet Insurance FAQs

Do I need pet insurance?

This will depend on your personal feelings and how likely you are to be able to afford expensive vet bills. If you want to give your pet the best possible care and never want to have to compromise on treatment, consider taking out cover.

How much of my vet bills are covered?

Under Ultimate Accident & Illness Cover and Ultimate Plus Accident & Illness Cover, 80% of your eligible vet bills will be covered This figure drops to 80% under Economy Accident & Illness Cover. 60% of your eligible vet bills are covered for General Accident & Illness Cover.

Will I have to pay an excess?

No, there is $0 excess you will have to pay when making a claim. However, you should be aware that each claim will pay up to the maximum percentage for each eligible vet bill.

Can I take out lifelong cover for my pet?

Yes. Once you take out cover you are able to continue insuring your pet for life.

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20 Responses

    Default Gravatar
    ShellyNovember 10, 2018

    How much is it for my dogs to get their teeth cleaned. Is it covered with this policy and what is the outlay for me. Thank you

      Default Gravatar
      JoelNovember 10, 2018

      Hi Shelly,

      Thanks for leaving a question on finder.

      If you’d like to take out an increased level of cover for your furry friend, the routine care option may offer the protection you desire. Designed to promote responsible pet ownership, this benefit is designed to help you cover the cost of routine preventative healthcare treatments for your pet. This includes:

      – $15 a year for heartworm test or blood screen
      – FeLV/FIV test or urinalysis – $15 a year
      – a $50 annual benefit for one of the following routine treatments: desexing, microchipping, preventative heartworm medication, teeth cleaning, vaccinations, dewclaw removal, council registration fees, prescription diets, alternative therapies, health checks.

      Please send me a message if you need anything else. :)

      Cheers,
      Joel

    Default Gravatar
    robertJuly 30, 2017

    I have economy RSPCA cover, does it cover prescription medication? It pays 75% accident illness.

      Avatarfinder Customer Care
      RenchJuly 31, 2017Staff

      Hi Robert,

      Thanks for reaching out to us. Please note that we are not affiliated with RSPCA Pet Insurance or any company we feature on our site and so we can only offer you general advice.

      Yes, all plans with RSPCA Pet Insurance cover medicine and drugs. The only exclusion are medications that is not approved or listed by the APVMA (Australian Pesticides and Veterinary Medication Authority).

      Cheers,
      Rench

    Default Gravatar
    debbielgSeptember 18, 2016

    Could you give me some monthly quotes on an insurance package for my 8 year old long haired domestic cat?
    Thanks
    Debbie

      Avatarfinder Customer Care
      RichardSeptember 20, 2016Staff

      Hi Debbie,

      Thanks for your question. Finder is a comparison service and RSPCA is not part of the panel of pet insurance brands we have access to.

      If you would like to compare the products from the brands in our panel, you can do so by heading to our pet insurance home page.

      All the best,
      Richard

    Default Gravatar
    paulAugust 6, 2016

    i got a small dog call king charles but has anal gland want best insurance

      Avatarfinder Customer Care
      RichardAugust 9, 2016Staff

      Hi Paul,

      Thanks for getting in touch. If you would like to review the cover options available from the pet insurance brands in our panel, please head over to our pet insurance homepage.

      All the best,
      Richard

    Default Gravatar
    BillJuly 7, 2016

    Do the premiums increase with each year as/because the dog ages?
    How long does it take for reimbursement?
    Cheers Bill

      Avatarfinder Customer Care
      RichardJuly 8, 2016Staff

      Hi Bill,

      Thanks for your question.

      Your premiums will be set at the outset of the policy, and stated on your Certificate of Insurance. For information about the claims process, you should consult page 25 of the RSPCA Pet Insurance’s policy disclosure statement (PDS).

      I hope this was helpful,
      Richard

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